{"id":71674,"date":"2026-05-11T01:49:38","date_gmt":"2026-05-10T17:49:38","guid":{"rendered":"https:\/\/mister.forex\/?page_id=71674"},"modified":"2026-05-11T21:12:18","modified_gmt":"2026-05-11T13:12:18","slug":"retire-early-plan","status":"publish","type":"page","link":"https:\/\/mister.forex\/ms\/retire-early-plan\/","title":{"rendered":"Kalkulator Matlamat Persaraan: Kira Dana Persaraan Ideal Anda"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"71674\" class=\"elementor elementor-71674\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f1e6a5 e-flex e-con-boxed e-con e-parent\" data-id=\"3f1e6a5\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a50997 elementor-widget elementor-widget-heading\" data-id=\"1a50997\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Kira Jumlah Persaraan Berdasarkan Gaya Hidup Pilihan Anda<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdea82f elementor-widget elementor-widget-html translation-block\" data-id=\"cdea82f\" data-element_type=\"widget\" data-widget_type=\"html.default\"><span>\nPersaraan bukan sekadar angka; ia adalah tentang aliran tunai (cash flow) bulanan anda.<br><br>\n\nKiraan matematiknya jelas: ROI 10% vs 2% mengurangkan modal yang diperlukan kepada 1\/5 sahaja. Kecekapan modal menentukan kelajuan anda mencapai kebebasan kewangan.\n<\/span><\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-747ee48 elementor-widget elementor-widget-template\" data-id=\"747ee48\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"71597\" class=\"elementor elementor-71597\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90d7cbe e-con-full e-grid e-con e-child\" data-id=\"90d7cbe\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1d03f7b3 e-con-full e-flex e-con e-child\" data-id=\"1d03f7b3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d291e57 elementor-widget elementor-widget-heading\" data-id=\"4d291e57\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Simpanan Tetap<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-446eb41c elementor-widget elementor-widget-heading\" data-id=\"446eb41c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">1.5% - 1.8%<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-755e67fa e-con-full e-flex e-con e-child\" data-id=\"755e67fa\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87015db elementor-widget elementor-widget-heading\" data-id=\"87015db\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Indeks Global<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4227a4d9 elementor-widget elementor-widget-heading\" data-id=\"4227a4d9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">8% - 10%<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-364a9bd3 e-con-full e-flex e-con e-child\" data-id=\"364a9bd3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4036bb7e elementor-widget elementor-widget-heading\" data-id=\"4036bb7e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Strategi Mr.Forex<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18e9964a elementor-widget elementor-widget-heading\" data-id=\"18e9964a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">12% +<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fdedd6 elementor-widget elementor-widget-html\" data-id=\"8fdedd6\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"mr-forex-calc\" style=\"max-width:500px; margin:20px auto; padding:35px; background:#FFFFFF; border: 1px solid #E5E9F0; border-radius:20px; font-family: 'Inter', 'PingFang TC', sans-serif; box-shadow: 0 10px 30px rgba(21, 38, 77, 0.08);\">\n    \n    <div style=\"width:50px; height:4px; background:#FAB42C; margin-bottom:20px; border-radius:2px;\"><\/div>\n    \n    <h3 style=\"color:#15264D; margin:0 0 25px 0; font-size:1.2em; font-weight:700; letter-spacing:-0.5px;\">Target Persaraan<\/h3>\n\n    <div style=\"margin-bottom:20px;\">\n        <label style=\"display:block; margin-bottom:8px; font-size:0.9em; color:#666666; font-weight:500;\">Bajet Sara Hidup Bulanan<\/label>\n        <input type=\"number\" id=\"monthlySpendGoal\" value=\"1000\" min=\"0\" step=\"100\" translate=\"no\" class=\"notranslate\" lang=\"en\" style=\"width:100%; padding:12px 15px; border-radius:8px; border:2px solid #F0F2F5; background:#F8FAFC; color:#15264D; font-size:1.1em; font-weight:600; outline:none; transition:all 0.3s; box-sizing:border-box;\" onfocus=\"this.style.borderColor='#FAB42C'\" onblur=\"this.style.borderColor='#F0F2F5'\">\n    <\/div>\n\n    <div style=\"margin-bottom:25px;\">\n        <label style=\"display:block; margin-bottom:8px; font-size:0.9em; color:#666666; font-weight:500;\">Pulangan Dijangka (%)<\/label>\n        <input type=\"number\" id=\"expectRateGoal\" value=\"8\" min=\"0\" step=\"0.5\" translate=\"no\" class=\"notranslate\" lang=\"en\" style=\"width:100%; padding:12px 15px; border-radius:8px; border:2px solid #F0F2F5; background:#F8FAFC; color:#15264D; font-size:1.1em; font-weight:600; outline:none; transition:all 0.3s; box-sizing:border-box;\" onfocus=\"this.style.borderColor='#FAB42C'\" onblur=\"this.style.borderColor='#F0F2F5'\">\n    <\/div>\n\n    <button onclick=\"calcRetireGoal()\" style=\"background:#15264D; color:#FFFFFF; border:none; padding:15px; width:100%; border-radius:8px; cursor:pointer; font-weight:700; font-size:1em; transition: 0.3s; box-shadow: 0 4px 12px rgba(21, 38, 77, 0.2);\" onmouseover=\"this.style.background='#FAB42C'; this.style.color='#15264D'\" onmouseout=\"this.style.background='#15264D'; this.style.color='#FFFFFF'\">\n        Kira Jumlah Diperlukan\n    <\/button>\n    \n    <div id=\"goalResultWrapper\" style=\"margin-top:30px; padding:20px; border-radius:12px; background:#F8FAFC; text-align:center; min-height:80px; border: 1px dashed #D1D9E6; display:none;\">\n        <p style=\"color:#666666; font-size:0.9em; margin:0 0 10px 0; font-weight:bold;\">Jumlah modal yang anda perlukan:<\/p>\n        <div id=\"resNumberGoal\" translate=\"no\" class=\"notranslate\" style=\"color:#15264D; font-size:2.2em; font-weight:800; font-family:Arial;\">---<\/div>\n        <p style=\"color:#A0AEC0; font-size:0.8em; margin-top:10px;\">* Berdasarkan andaian pengeluaran mampan \"faedah sahaja\"<\/p>\n    <\/div>\n<\/div>\n\n<script>\nfunction calcRetireGoal(){\n    \/\/ \u7372\u53d6\u6578\u503c\u4e26\u9632\u5446\uff08\u78ba\u4fdd\u4e0d\u5c0f\u65bc 0\uff09\n    const S = Math.max(0, parseFloat(document.getElementById('monthlySpendGoal').value));\n    const r_input = Math.max(0, parseFloat(document.getElementById('expectRateGoal').value));\n\n    \/\/ \u5831\u916c\u7387\u70ba 0 \u6216\u975e\u6578\u5b57\u6642\u7684\u8655\u7406\n    if (isNaN(S) || isNaN(r_input) || r_input <= 0) {\n        document.getElementById('goalResultWrapper').style.display = \"block\";\n        document.getElementById('resNumberGoal').innerText = \"---\";\n        return;\n    }\n\n    const r = r_input \/ 100;\n\n    \/\/ \u6838\u5fc3\u516c\u5f0f\uff1a(\u6708\u9818\u91d1\u984d * 12\u500b\u6708) \/ \u5e74\u5316\u5831\u916c\u7387 = \u6240\u9700\u672c\u91d1\n    const Total = (S * 12) \/ r;\n    \n    \/\/ \u8f38\u51fa\u683c\u5f0f\u5316\u6578\u503c\uff0c\u6307\u5b9a 'en-US' \u5f37\u5236\u4f7f\u7528\u570b\u969b\u963f\u62c9\u4f2f\u6578\u5b57\u683c\u5f0f\n    document.getElementById('goalResultWrapper').style.display = \"block\";\n    document.getElementById('resNumberGoal').innerText = Math.round(Total).toLocaleString('en-US');\n}\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2709c42 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-html\" data-id=\"2709c42\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"mr-forex-calc\" style=\"max-width:500px; margin:20px auto; padding:35px; background:#FFFFFF; border: 1px solid #E5E9F0; border-radius:20px; font-family: 'Inter', 'PingFang TC', sans-serif; box-shadow: 0 10px 30px rgba(21, 38, 77, 0.08);\">\n    \n    <div style=\"width:50px; height:4px; background:#FAB42C; margin-bottom:20px; border-radius:2px;\"><\/div>\n    \n    <h3 style=\"color:#15264D; margin:0 0 25px 0; font-size:1.2em; font-weight:700; letter-spacing:-0.5px;\">Kalkulator Matlamat Persaraan<\/h3>\n\n    <div style=\"margin-bottom:20px;\">\n        <label style=\"display:block; margin-bottom:8px; font-size:0.9em; color:#666666; font-weight:500;\">Bajet Sara Hidup Bulanan<\/label>\n        <input type=\"number\" id=\"monthlySpendGoal\" value=\"1000\" min=\"0\" step=\"100\" style=\"width:100%; padding:12px 15px; border-radius:8px; border:2px solid #F0F2F5; background:#F8FAFC; color:#15264D; font-size:1.1em; font-weight:600; outline:none; transition:all 0.3s; box-sizing:border-box;\" onfocus=\"this.style.borderColor='#FAB42C'\" onblur=\"this.style.borderColor='#F0F2F5'\">\n    <\/div>\n\n    <div style=\"margin-bottom:25px;\">\n        <label style=\"display:block; margin-bottom:8px; font-size:0.9em; color:#666666; font-weight:500;\">Pulangan Dijangka (%)<\/label>\n        <input type=\"number\" id=\"expectRateGoal\" value=\"8\" min=\"0\" step=\"0.5\" style=\"width:100%; padding:12px 15px; border-radius:8px; border:2px solid #F0F2F5; background:#F8FAFC; color:#15264D; font-size:1.1em; font-weight:600; outline:none; transition:all 0.3s; box-sizing:border-box;\" onfocus=\"this.style.borderColor='#FAB42C'\" onblur=\"this.style.borderColor='#F0F2F5'\">\n    <\/div>\n\n    <button onclick=\"calcRetireGoal()\" style=\"background:#15264D; color:#FFFFFF; border:none; padding:15px; width:100%; border-radius:8px; cursor:pointer; font-weight:700; font-size:1em; transition: 0.3s; box-shadow: 0 4px 12px rgba(21, 38, 77, 0.2);\" onmouseover=\"this.style.background='#FAB42C'; this.style.color='#15264D'\" onmouseout=\"this.style.background='#15264D'; this.style.color='#FFFFFF'\">\n        Kira Jumlah Diperlukan\n    <\/button>\n    \n    <div id=\"goalResultWrapper\" style=\"margin-top:30px; padding:20px; border-radius:12px; background:#F8FAFC; text-align:center; min-height:80px; border: 1px dashed #D1D9E6; display:none;\">\n        <p style=\"color:#666666; font-size:0.9em; margin:0 0 10px 0; font-weight:bold;\">Jumlah modal yang anda perlukan:<\/p>\n        <div id=\"resNumberGoal\" style=\"color:#15264D; font-size:2.2em; font-weight:800; font-family:Arial;\">---<\/div>\n        <p style=\"color:#A0AEC0; font-size:0.8em; margin-top:10px;\">* Berdasarkan andaian pengeluaran mampan \"faedah sahaja\"<\/p>\n    <\/div>\n<\/div>\n\n<script>\nfunction calcRetireGoal(){\n    \/\/ \u7372\u53d6\u6578\u503c\u4e26\u9632\u5446\uff08\u78ba\u4fdd\u4e0d\u5c0f\u65bc 0\uff09\n    const S = Math.max(0, parseFloat(document.getElementById('monthlySpendGoal').value));\n    const r_input = Math.max(0, parseFloat(document.getElementById('expectRateGoal').value));\n\n    \/\/ \u5831\u916c\u7387\u70ba 0 \u6216\u975e\u6578\u5b57\u6642\u7684\u8655\u7406\n    if (isNaN(S) || isNaN(r_input) || r_input <= 0) {\n        document.getElementById('goalResultWrapper').style.display = \"block\";\n        document.getElementById('resNumberGoal').innerText = \"---\";\n        return;\n    }\n\n    const r = r_input \/ 100;\n\n    \/\/ \u6838\u5fc3\u516c\u5f0f\uff1a(\u6708\u9818\u91d1\u984d * 12\u500b\u6708) \/ \u5e74\u5316\u5831\u916c\u7387 = \u6240\u9700\u672c\u91d1\n    const Total = (S * 12) \/ r;\n    \n    \/\/ \u8f38\u51fa\u683c\u5f0f\u5316\u6578\u503c\n    document.getElementById('goalResultWrapper').style.display = \"block\";\n    document.getElementById('resNumberGoal').innerText = Math.round(Total).toLocaleString();\n}\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f495822 elementor-widget elementor-widget-html translation-block\" data-id=\"f495822\" data-element_type=\"widget\" data-widget_type=\"html.default\"><span>\n<h2><strong>\ud83d\udca1 \"Garisan Penamat Kewangan\" Anda<\/strong><\/h2>\nKebebasan kewangan adalah hari di mana aset anda mampu menampung perbelanjaan anda. Mulai saat itu, anda hidup dengan faedah tanpa menyentuh modal pokok anda.<br><br>\n\n<strong>\u25cf Logik Pengiraan:<\/strong><br>\n<code style=\"background:#EDF2F7;padding:2px 6px;border-radius:4px\">Jumlah = (Bajet Bulanan * 12) \/ Jangkaan ROI<\/code><br><br>\n\n<span style=\"font-size:0.9em\">*Nota: Kecekapan tinggi mengurangkan modal yang diperlukan dan mempercepatkan pencapaian matlamat.<\/span>\n<\/span><\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd77b07 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"bd77b07\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b83ef8f elementor-widget elementor-widget-html translation-block\" data-id=\"b83ef8f\" data-element_type=\"widget\" data-widget_type=\"html.default\"><span>\n<h2><strong>Visi adalah permulaan; ketibaan adalah matlamat.<\/strong><\/h2>\nSama ada berkembang secara stabil atau memacu modal anda, alat kami merealisasikan impian anda.\n<\/span><\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ca1558 elementor-icon-list--layout-inline elementor-list-item-link-inline elementor-widget elementor-widget-icon-list\" data-id=\"2ca1558\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/mister.forex\/ms\/dollar-cost-averaging-calculator\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mula Pelaburan Berkala<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/mister.forex\/ms\/algorithmic-trading-systems\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Teroka Pecutan Modal<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Ingin tahu jumlah untuk persaraan? Masukkan bajet dan ROI anda untuk mengira \"Dana Persaraan Mampan\" anda.<\/p>","protected":false},"author":1,"featured_media":33201,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"tags":[128],"class_list":["post-71674","page","type-page","status-publish","has-post-thumbnail","hentry","tag-no-google"],"_links":{"self":[{"href":"https:\/\/mister.forex\/ms\/wp-json\/wp\/v2\/pages\/71674","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mister.forex\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mister.forex\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mister.forex\/ms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mister.forex\/ms\/wp-json\/wp\/v2\/comments?post=71674"}],"version-history":[{"count":103,"href":"https:\/\/mister.forex\/ms\/wp-json\/wp\/v2\/pages\/71674\/revisions"}],"predecessor-version":[{"id":72178,"href":"https:\/\/mister.forex\/ms\/wp-json\/wp\/v2\/pages\/71674\/revisions\/72178"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mister.forex\/ms\/wp-json\/wp\/v2\/media\/33201"}],"wp:attachment":[{"href":"https:\/\/mister.forex\/ms\/wp-json\/wp\/v2\/media?parent=71674"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mister.forex\/ms\/wp-json\/wp\/v2\/tags?post=71674"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}